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Defending your ride

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Policies that protect more than your car

Your car isn't just a machine. It's how you get to where you're going. That's why PEMCO safeguards responsible drivers and their vehicles with customized policies, competitive costs and award-winning customer service to help you worry less.

 
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What's covered with my car insurance?

With PEMCO, your car can be covered from damage by other drivers, medical costs for passengers and liability for accidents.

Car driving on highway on foggy day with roof cargo.

Coverage from bumper to beyond

With PEMCO, we can protect your entire car whether it's sitting in the driveway or the top of a mountain. Where you go, your coverage goes.

Collision Coverage

Regardless of who's at fault, collision coverage pays for damage to your car from a crash (minus your deductible). If you have a car loan, your bank may require this coverage.

Comprehensive Coverage

Covers damage to your car that's not included in collision for things like theft, fire, vandalism and glass (minus your deductible). If you have a car loan, your bank will require comprehensive coverage, too.

Underinsured/Uninsured Motorist Coverage

Covers your car if it's damaged in an accident caused by someone without insurance — or with too little insurance.

Towing and Labor Coverage

Helps if your car breaks down and needs work right on the spot or must be towed to a shop.

Rental Reimbursement Coverage

Reimburses you for the cost of a rental car while your car is being repaired after an accident. Can be bundled with comprehensive and collision coverage.

Auto Loan Coverage

Pays off your car loan if the car is totaled. The amount left on your loan must be more than what the car is worth.

Replacing or Recoding Key Coverage

Pays up to $500 for replacing or recoding undamaged electronic lock and key components. Available for Washington residents only.

Camper, Canopy and Tonneau Cover Coverage

Pays up to $500 for this equipment, with the option to buy more coverage. Available for Washington residents only.

Custom Parts and Equipment Coverage

Pays up to $500 for customization, with the option to buy more coverage. Available for Washington residents only.

Girl sleeping in car seat.

Coverage for you, your family and your pets

Whether you go in your car alone, with your people or with your furry friends, PEMCO is here to help.

Personal Injury Protection (PIP) Coverage

This pays medical expenses, income loss and more for you, your family and others in your car who are hurt in an accident. This additional protection is required in Oregon and recommended in Washington.

Underinsured/Uninsured Motorist, Bodily Injury Coverage

Pays medical costs and other related damages if a covered person is hurt in an accident caused by someone without insurance — or with too little insurance. This coverage is required in Oregon and optional in Washington.

Accidental Death Coverage

If any covered person is killed in a car accident, a benefit of $10,000 goes to his or her spouse or estate.

Pet Coverage

Pays up to $1,000 if your dog or cat is injured or killed in a covered collision loss. And for Washington residents, it also covers extra fees the rental car company charges if their car is knocked out of service by a covered event.

Car driving through the woods in the fog.

Shielding you from liability

If you're found legally liable for a crash, our car insurance coverage can protect you and help make things right.

Liability Property Damage Coverage

This pays for the other person's car and/or belongings damaged in an accident if a covered person is legally liable for the accident. It takes care of defense costs if you must go to court, and it's required by state law.

Liability Bodily Injury Coverage

If you have this coverage and are held legally liable for bodily injury during a covered loss, bodily injury coverage takes care of the cost. This also covers court defense costs.

Person using mobile phone next to car.

Rideshare and Rental Coverage

Get help protecting your rental car on vacation or when you're driving your vehicle for a rideshare company.

Rideshare Coverage

This extends your current PEMCO coverage when you drive your car for a rideshare company like Uber or Lyft.

Rental Car Coverage

Pays for damages and expenses if your rented vehicle is involved in a covered collision or comprehensive loss. Available for Washington residents only.

FAQ

Tips & Resources

 
 

Check out our advice to help you save time, money and stress, so you can worry less and live more.

Night-driving help for Baby Boomers How to avoid buying a flood-damaged car Choose a safe car for your teen Top mistakes new drivers make (and how to correct them) Five tips for taking your dog in the car Hot weather dangers for your car Five tips to stop auto theft Seven things you never thought about when buying a car (but wish you had) How to avoid hitting a deer
What to do during and after a windstorm Protect your home while you're on vacation Protect your fine jewelry Prevent dryer fires Five last-minute tips to prevent cold-weather woes What to do before a windstorm Avoid buying a money pit Tips for hiring contractors Myths about renter insurance you probably believe Hot weather dangers for your home Five ways to spot a contractor scam What to do during and after a windstorm
Boater checklist: Spring maintenance Eight ways to avoid buying a 'floating lemon' Boater checklist: Fall maintenance and storage Are your boat and trailer easy targets for theft?

  • Your insurance follows your vehicle, wherever it goes. So if you lend your car to a friend, co-worker or visiting relative, you're lending your insurance along with it.  Your policy will defend your vehicle should any claims arise, so it's important that whoever is borrowing the car will act responsibly. 

    Your PEMCO agent would be happy to advise you on protecting your car for less common situations, such as when the person borrowing the vehicle will use it for an extended time. ​​

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  • Yes, however, there are key differences from regular coverage.

    Your policy will cover you for the occasional use of automobiles you rent in the U.S. and Canada, depending on the coverages you’ve purchased. It also covers certain expenses the rental car company may charge such as administrative fees, diminished value and loss of use.* Vehicles other than private passenger cars may receive only some of the coverages. 

    If you rent automobiles on a regular basis and want to know how to get the best protection with your policy, please contact our Customer Service Department to discuss more coverage options.

    Learn more about rental car coverage​. 

    *Coverage of certain expenses rental car companies may charge is currently available to Washington State policyholders only.​

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  • No, but you can add a rideshare endorsement for specific vehicles on your PEMCO policy. It protects you three ways when you’re driving your car for a company like Uber or Lyft:

    • Plugs gaps. PEMCO’s rideshare endorsement protects you from the moment you turn on the app and helps cover gaps in the rideshare company’s insurance.
    • Reduces your deductible. Rideshare companies typically have high deductibles. With the endorsement, your regular PEMCO deductible applies. 
    • Adds extra protection. When the rideshare company’s coverage is primary, your PEMCO rideshare endorsement provides additional protection for listed coverages.​​
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  • ​​Move your car to the side of the road, if possible. You'll want to take photos of the scene and get details from the other party such as their name, license plate number and insurance policy information. Next, report the accident to police. Call PEMCO or click here to file a claim. Visit our claims page​ for more information.​​

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  • Sign in to your online account, where you can view and print your ID card. You can also use the Go PEMCO app (available for Android​ and iPhone). With the app, you can show your electronic ID card as proof of insurance in both Washington and Oregon (as well as most other states).​​​​​

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  • Add young drivers to your policy as soon as they have a driving permit – PEMCO doesn't charge for insuring drivers who have a learner's permit. Once the driver has a license, let us know.

    If your driver has a GPA of 3.0 and is a full-time student under age 25, you can save with the Good Student Discount. Just send your most recent report card or transcript and your policy number to us at gsd@pemco.com or P.O. Box 778, Seattle, WA 98111-0778. Once the discount has been applied, you don't need to send further report cards.

    ​If your student is living 75+ miles from home and is without a car, they qualify for PEMCO's Distant Student Discount. This keeps them insured under your policy, but at a reduced rate. ​

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  • We want the claims process to be simple and easy. Call us at 1-800-467-3626 or click here to report a claim.

    Visit the Claims page​ to learn about your options for vehicle repair.​

  • Personal Injury Protection (PIP) covers reasonable and necessary medical and hospital expenses related to a covered claim, and it has no deductible. It also pays for loss of income and essential services, such as house cleaning or dog walking, that you're unable to do as a result of the injury. 

    Even if you have  medical insurance, your plan may not give you enough coverage. 

    PIP is "no-fault" coverage, meaning it's available whether you caused the accident or not. It's in addition to any liability coverage that might be available from the driver who caused the accident. PIP also covers all the occupants of the vehicle, as well as pedestrians and bicyclists hit by the vehicle. ​

  • Despite mandatory insurance laws in most states, about one in eight drivers or 14% across the United States may be driving uninsured, according to a study from the Insurance Research Council.

    Underinsured Motorist provides coverage to you and your passengers for bodily injury and property damage caused by an uninsured motorist (a person who does not have insurance) or underinsured motorist (a person who does not have enough coverage to compensate you for your damages).

  • Yes, double the defense deserves a discount. You receive a discount on both your home and auto policies if you insure both with PEMCO. There may be additional discounts available if you have a PEMCO Umbrella policy or insure your boat or rental property with us.

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  • ​If you're over age 55 and take an approved defensive driving course, let us know. Approved courses for Washington​

  • Yes, if you have a current PEMCO Auto policy. If you're adding another vehicle to the policy, you'll need to let us know within 30 days. If your new vehicle is replacing your current one, you'll just need to let us know within 60 days.​

  • We may. We'll need to see photos of the vehicle before we can provide any coverage. Please note that even a vehicle that has been fully repaired will have a reduced value if the title notes there was prior damage.​

  • It's complicated. Please contact us​ to determine how PEMCO may be able to help.​

  • If your car is a "total loss," then the cost to repair your vehicle exceeds its market value. Our Total Loss team will make sure your claim is settled quickly and fairly. If you want to keep your vehicle, we'll explain the "retained salvage" process for you to keep the damaged car. Learn more about total loss claims​.​